Why does less money arrive than I sent?
Transfers pass through a chain of intermediaries, and each step can add a fee or an exchange margin. The headline rate rarely reflects the full cost, which is why the arriving amount is the number to compare.
Understand what an international transfer costs, what will actually arrive, and where your money is at each stage.
Sample values shown until the current rate loads.
0% feeYour first cross-border transfer has no Selfinancial fee. Introductory offer for new customers, available for a limited time.
Rates come from a live provider and change continuously, so the figures above are indicative only — they are not a locked quote or a promise of savings. Final pricing, fees, and any applicable taxes will be shown clearly before any future transaction.
What we are optimising for
An international transfer is not complicated because the money is complicated. It is complicated because nobody shows you what is happening to it.
The amount that reaches the recipient is the number that matters. It is the one we lead with.
Transfers pass through intermediaries. You should be able to see which stage yours is at.
Every transfer joins the same history as the rest of your connected financial activity.
Where we are focused
These are the markets Selfinancial is being designed around. Availability, supported products, and regulatory permissions are confirmed separately for each country before launch.
Answers, not slogans
Transfers pass through a chain of intermediaries, and each step can add a fee or an exchange margin. The headline rate rarely reflects the full cost, which is why the arriving amount is the number to compare.
Compare the total amount that reaches the recipient, not the advertised exchange rate. A strong rate paired with a wide margin or a fixed fee can still deliver less.
It depends on the corridor, the institutions involved, and any compliance checks. We will publish expected timing per corridor rather than a single marketing figure.
Corridors are confirmed per market before launch. Selfinancial is being designed around eight markets, but availability in each is established separately.
Join the waitlist and tell us where you send money and how often.